一文读懂USDT：币圈稳定币之王，你真的会用吗？

Core Insights - USDT, also known as Tether, is the highest market capitalization and most widely used stablecoin in the cryptocurrency market, maintaining a value of approximately 1 USDT ≈ 1 USD [3] - Tether Limited issues USDT backed by equivalent USD assets, ensuring its value stability [3] Functionality - USDT serves as a crucial intermediary in cryptocurrency transactions, allowing users to convert fiat currency (like RMB) into USDT before purchasing cryptocurrencies, and vice versa when selling [4] - During market downturns, investors often convert high-risk cryptocurrencies into USDT as a safe haven, similar to selling stocks for cash in a declining stock market [5] - USDT facilitates fast and low-cost cross-border payments and transfers, making it increasingly popular for international trade and personal remittances [6] Important Considerations - Different versions of USDT exist on various blockchains, and users must ensure they are sending the correct version to avoid permanent loss of assets [8] - The most common versions include ERC20 (Ethereum) and TRC20 (Tron), each with distinct characteristics regarding transaction speed and fees [10] - Users are advised to verify addresses, conduct small test transactions, and ensure sufficient funds for transaction fees to prevent errors [10] Conclusion - Understanding USDT's basic concepts, the differences between its various blockchain versions, and safe operational practices is essential for investors entering the cryptocurrency space [11]